We arrange property finance for owner-occupied business premises and investment properties. Whether you're acquiring a property, refinancing at better rates, or building equity, we access lenders across the full spectrum and negotiate the best terms for your situation.
The Challenge
You want to buy business premises but are unsure how much you can borrow
You're paying above-market rates and want to refinance at better terms
You've been rejected by your bank and don't know if you can borrow elsewhere
You want to build an investment property portfolio but don't know the best structure
You're concerned about interest rate risk and want fixed-rate options
What's Included
Access to 30+ lenders (banks, mortgage lenders, investor lenders) with competitive rates for owner-occupied and investment properties.
Analysis of how much you can borrow based on business income (owner-occupied) or rental income (investment), with scenarios for different interest rates.
Quotes from multiple lenders showing rates, terms, fees, and flexibility options. You compare and choose.
Complete preparation of property finance application and management of approval process with lender.
Coordination with lawyers, valuers, and lenders to facilitate settlement and property transfer.
Why It Matters
Owner-occupied property is a cornerstone of many Australian SMEs. Rather than renting, business owners buy their premises and build equity. We facilitate this by accessing competitive property finance and ensuring loans are structured appropriately for your business cash flow. For investment-minded owners, we also support property portfolio building—using equity from existing properties to acquire investment properties for long-term growth. Property finance is more complex than equipment finance because properties are slower to value, settlement is more involved, and regulations are stricter. We navigate this complexity and ensure the process runs smoothly. We also provide strategy advice: Should you buy now or wait for market conditions? Should you finance 70% or 80% LVR? Should you have interest-only or principal-and-interest repayment? These decisions significantly impact long-term wealth and cash flow.
Access to owner-occupied property lenders (30+ lenders)
Competitive rates negotiated across multiple lenders
Investment property expertise for portfolio growth
Loan structure optimized to your business cash flow
Construction/development finance if building new
Expert assistance with settlement and ongoing management
The Process
Understanding your property need and timing
Assessing borrowing capacity based on income (business cash flow for owner-occupied, rental income for investment)
Property valuation and due diligence support
Lender selection: major banks, mortgage brokers, specialist property lenders
Application preparation with all required documentation
Approval management and negotiation of final terms
Settlement coordination with legal and valuation professionals
Best For
Business owners ready to buy owner-occupied premises
Growing SMEs wanting to refinance existing property debt
Investors building property portfolio for long-term growth
Owners needing expert guidance on borrowing capacity and loan structure
Complementary Services
We broker business lending from Australia's major banks and alternative lenders. Rather than applying to one bank and hoping, we position your loan request to multiple lenders, negotiate terms, and secure the best rates and structure for your business. Our lending expertise ensures your application is presented professionally with all required documentation.
If you've had loans for more than a year or rates have changed, refinancing often saves significant money. We assess your current loans, identify refinancing opportunities, and execute the refinance to better terms. Common scenarios: rates have dropped, your credit has improved, or you can consolidate multiple loans.
Rather than dealing with loans one-at-a-time, we take a holistic approach to your lending structure. We review all debt, identify inefficiencies, and restructure your entire facility—consolidating, refinancing, and reallocating borrowing—for optimized cost, flexibility, and growth capacity.
FAQ
For owner-occupied business premises, lenders typically lend 70-80% of property value based on your business cash flow serviceability. We assess how much your business can service.
Investment property lending is available based on rental income. We help you assess investment properties, structure the finance, and plan the portfolio.
Yes. If your loan has been running for a few years or rates have dropped, refinancing often saves thousands. We identify savings and manage the refinance process.
Typically 2-4 weeks from application to approval for standard properties. Settlement takes another 4-6 weeks. Build or development finance takes longer given the complexity.
Home equity is cheaper but mixes personal and business risk. We compare home equity loans vs. property finance and discuss the implications.
Can't find the answer you're looking for? Get in touch
We can help you implement commercial property finance and start seeing results. Book a consultation to discuss your specific needs and explore how this service can transform your business.